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Home Insurance in Kaufman, TX
Half of the homes in Kaufman were built in 1976 or earlier. Here is how the local housing stock shapes coverage and price.
What Kaufman housing looks like
Single-family detached houses make up about 72% of housing units, and 47% of occupied homes are owner-occupied. Because renters outnumber owners, landlords should confirm they carry a dwelling fire or landlord policy rather than a standard homeowners form.
How age and construction affect a Kaufman quote
Census estimates put the median construction year for homes in Kaufman at 1976. Homes built before 1980 make up about 61% of the total; those built since 2000 account for 21%. Many of these houses predate modern building codes, so documenting upgrades such as a newer panel or repiped plumbing can widen your carrier choices.
$5,285/yr
About $440/mo · ~$300k-$400k dwelling class
$2,949/yr
About $246/mo after modeled shopping discount
About 44.2% below local market estimate
Market value versus rebuild cost in Kaufman
The median owner-estimated home value in Kaufman is $221,800. Across Kaufman County the median is $320,900. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
What each coverage does for Kaufman owners
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Anything not attached to the house, such as fences, carports and barns.
Your belongings. A room-by-room photo inventory makes claims faster.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Small medical bills for guests injured at your home, regardless of fault.
Hazards Kaufman homes are exposed to
The National Risk Index from FEMA scores Kaufman County as relatively low for combined natural-hazard risk. Its leading hazards, by rating, are hail (relatively high), tornadoes (relatively moderate) and inland flooding (relatively moderate). Kaufman County had 62 hail reports in NOAA’s storm records for 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 56 of them. The largest reported hail was 3.5 inches on April 20, 2023.
Wind coverage in Kaufman County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. You can check your flood zone by address at the FEMA Flood Map Service Center.
Records to check before you quote
Contact details for the Kaufman County appraisal district are listed in the Texas Comptroller’s Kaufman County directory. Its office is at 3950 S. Houston St. Kaufman, TX 75142-3718.
Kaufman belongs to Kaufman County. Kaufman County counts as an outlying county of the Dallas-Fort Worth-Arlington metro area. Mesquite is the closest larger city, roughly 20 miles away, with Kaufman to its southeast.
Kaufman housing and coverage questions
Why do insurers ask when my Kaufman home was built?
The median home was built in 1976, and about 61% predate 1980, per Census estimates. Carriers look closely at roof, wiring and plumbing updates on older homes, and documenting them can improve your options.
Do I need separate flood insurance in Kaufman?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Kaufman is an NFIP community, and its current flood map took effect in January 2023. Only about 1 in 216 Kaufman County homes carries NFIP coverage. Buy early, because NFIP coverage generally starts 30 days after purchase.
What coverage do landlords and tenants need in Kaufman?
Renters occupy about 53% of homes in Kaufman. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
When is the best time to compare home insurance in Kaufman?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Get a Kaufman home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- OMB metro and micro areas
- Census Gazetteer files
- FEMA National Risk Index, Kaufman County
- NFIP data (OpenFEMA), Kaufman County
- Storm Events Database (NOAA), Kaufman County
- Texas property tax directory, Kaufman County
- Texas Comptroller regions
- NFIP Community Status Book
- Benchmarks: Kaufman County value, Kaufman County build year
- TWIA coverage area
- American Community Survey 2020–2024, Kaufman city: structure type, tenure, year built, population, home value, median year built